Automatically, expertly, and in the homeowner's interest. Rafter is the foundation for the second half of the American Dream.
The first half of the American Dream is getting the keys to your house. The second half is everything that comes after: the long years of owning it, maintaining it, protecting it, and slowly building wealth through it. For most families, the home is the largest asset they will ever own — and collectively, America's homes are worth a record $55 trillion, second only to the U.S. stock market.
Nothing has ever been built to manage that second half. That's what Rafter is building.
average savings in Year 1
The everyday cost of owning a home has climbed nearly 50% since 2020, on top of the mortgage. Emergency repairs, insurance, and rates aren't reverting to where they were.
Insurers are pricing in permanent climate risk. The country is short nearly 5 million homes. The skilled-trades workforce is retiring faster than it's replaced. This is the new normal.
Proactive, personal home management used to require estate managers and full-time staff — available only to the wealthiest families. AI now makes it possible for every homeowner.
Just like your investment portfolio is automatically monitored, rebalanced, and optimized without you lifting a finger, your home should be too. In ten years, 1 in 8 homes in America manage themselves through Rafter — common, assumed, and hard to imagine going without. Maintenance is the wedge: from there, Rafter grows into the recurring costs of ownership, then renovation and financing decisions, and — within mandates each homeowner sets — autonomous home-wealth management.
Home wealth under management at scale
Homeowner wealth created, first decade
Our team has backgrounds in real estate, insurance, and home services. We've seen firsthand how broken the home ownership experience is — and we're fixing it.
We're always looking for passionate builders — come join us →